Before they placed the CIFAS which was done on the day they closed my account, 30th May, they admitted that I have a strong case, but against Amazon, the FOS have seen this as its on the paperwork barclays sent to them, So them admitting I have a strong case surely means they don't think I have committed fraud, and yet they still placed the marker saying I intentionally used the account to commit fraud against the bank.
The adjudicator is ringing me this morning for a chat so I will see what happens with him.
Something like this?
To whom it may concern,
Please find enclosed a completed income and expenditure form. As you can see, there is £45 available per month.
Should a Tomlin order be considered the way forward, as a gesture of good will I would propose a payment of £45 per month to you for a total of 24 months (2 years) to the total amount of £1,080.00 and the claim be stayed immediately.
As is part of the defence and as you will be aware, Idem is still yet to provide a true copy of a signed credit agreement.
You will be aware that under the Consumer Credit Act 1974:
(1)A regulated agreement is not properly executed unless—
(a)a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and
(b)the document embodies all the terms of the agreement, other than implied terms, and
(c)the document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible.
To date, Idem is still yet to provide a true copy of a signed, credit agreement. All that has been provided is an illegible photocopy of an application form with generic pages attached which would prove very weak in a claim.
I look forward to hearing from you.
Had a letter from Moriarty law over the weekend.
They have stated that their client has withdrawn the claim against me and they have sent me a notice of discontinuance, and to the court also.
Proves that they prey on people's fear of repercussion and they have no grounds to follow through!
Thanks very much for your help!
Thanks for the reply guys.
The email CEO link isnt working
I called them back since no one got back to me and same script again and again, we came to an agreement to settle. I asked for this amount to be sent to me on writing or by email to confirm this as I dont trust they them to do what they say.
I was asked to go through a security process to change my email address which I did and then I was told I will recieve my bill in 24hrs on Friday (its now Monday) by email and guess what nothing has arrived.
I cant believe such a big company like vodafone can have this apaling level of customer services again and again and again. Its the most incompetent company I have ever had to deal with.
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